I do not have any student debt.

I went to college for 3 years and racked up $20 000 in gov’t student loans and $3 000 in a no interest bank loan. Now I am in university and I have borrowed another $7 500. In total for 4 years of school I have a debt of $27 800.

The first 2 years much of the loan was spent on clothes, shoes, and food. When a young student is given $4 000 at the beginning of the school year it is tough not to go out and buy personal items. I would say I spent a good 60% then.
My 3rd year I had a part time job (10 hours a week) I used that money for going out with my friends. And used my loan for rent and car insurance.
And in my current 4th year, I am way more knowledgeable and know that all of this money must be paid back so I have only used it for rent and household bills. I now work between 7-14 hours a week and that money is for groceries and fun times.

about $4k, none was social spending!— textbooks, childcare….etc etc

I have a friend who is 22 thou in debt. She went to Baylor and dropped out with nothing but a hole in her wallet. Poor girl. ;(

full ride debt free